This is an extremely tricky question that most people would answer with a blatant 'yes'. However, the correct answer would be 'maybe'. This is because there are many different types of accidents and claims, and each insurance company has its own politics. I'll show you which type of claims have a higher risk of raising your premiums, as well as the type of claims that may not raise them at all.
There are many factors that determine the bump in your auto insurance premiums when filing a claim. This includes the severity of the incident, who's at fault, and your policy's details. Another factor that plays a huge part in determining your premiums is your driving history. However, an important thing to keep in mind is that no matter who was at fault in the accident, the more claims you file, the bigger impact it will have on your premiums. Some of the least damaging auto insurance claims are minor accidents (which may be forgiven the first time), and a first speeding ticket. On the other hand, if you have several minor accidents or more than one speeding ticket, your insurance company will most likely consider raising your premiums.
Let's take a look at some specific situations:
Most claims that are caused by weather circumstances or natural disasters won't increase your auto insurance premiums. However, if the area that you live in is prone to frequent natural disasters, then filing a claim for damage caused by natural disasters most likely will raise your premiums - and you may already be paying higher premiums for living in a high-risk area.
Claims against roadside assistance and towing should not raise your premiums since it is expected that everyone with this type of insurance should use it at some point. Since insurance companies expect people to use this type of insurance, it is generally calculated in the cost, making this type of insurance quite costly.
You may be wondering about that pesky little stone that always happens to hit your windshield. You're in luck - it shouldn't affect your premiums either, unless this type of damage becomes recurrent.
If your car gets stolen, it generally should not affect your premiums (if it only happens once) since you couldn't predict it. However, if you live in an area with a high crime rate, then your premiums will certainly rise - or you may already by paying more for your insurance than someone who lives in a low crime rate area.
As for accidents where you are at fault, or any type of recurring damage or claims - expect your premiums to rise. Or, in the worst case scenario, you may not be able to renew your insurance with your current insurance provider.
It's also important to be familiar with your insurance company's policy and understand the way it works. If you think that you are paying more than you should for your insurance, try shopping around! You may not be getting the best auto insurance rates as possible with your current insurance provider. Or, you may want to benefit from special discounts for new customers. In any case, if you want to find the cheapest rates in the market, you can simply compare the cheapest auto insurance rates in a click by using the box below. Or, find the lowest auto insurance rates in your area right here.